{"uid":"cap_N2NDcjrswOzcu4sjxsM1i","slug":"findmydirectdoctor-insurance-policy-directory-api-95783e32","name":"FindMyDirectDoctor Insurance Policy Directory API","description":"What a doctor's office says about insurance on its own website: that it does not bill insurance, bills insurance, or both, plus mentions of superbills for reimbursement, HSA and FSA cards, Medicare and Medicaid. Found for one named practice or searched near a place by stance, mention or HSA/FSA wording. The wording is the practice's own, not advice on coverage or eligibility. Published by the practice; confirm before booking.","url":"https://api.findmydirectdoctor.com/v1/clinics/insurance-policy?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":[],"properties":{"lat":{"type":"number","maximum":90,"minimum":-90,"description":"Latitude; needs lng."},"lng":{"type":"number","maximum":180,"minimum":-180,"description":"Longitude; needs lat."},"zip":{"type":"string","pattern":"^\\d{5}$","description":"5-digit US ZIP code. Give zip, or lat with lng, or city with state, or state alone."},"city":{"type":"string","maxLength":80,"description":"City name; needs state."},"flag":{"enum":["any","superbill","medicare_mentioned","medicaid_mentioned","keeps_insurance_recommended"],"type":"string","default":"any","description":"Only practices whose insurance statement mentions this."},"name":{"type":"string","maxLength":120,"description":"Practice name; needs state."},"sort":{"enum":["distance","price"],"type":"string","default":"distance","description":"distance = nearest first (by name for a state search). price = lowest adult monthly fee first, practices with no confirmed fee last."},"limit":{"type":"integer","default":10,"maximum":25,"minimum":1,"description":"Results per page, default 10, maximum 25."},"model":{"enum":["dpc","concierge","membership","cash_pay","hybrid","cash_specialist","any"],"type":"string","default":"any","description":"Practice model. cash_specialist means cash_pay. any includes unclear models."},"phone":{"type":"string","maxLength":30,"description":"Practice phone number."},"state":{"type":"string","pattern":"^[A-Za-z]{2}$","description":"2-letter state code. Alone, it searches the whole state."},"cursor":{"type":"string","description":"next_cursor of the previous response."},"format":{"enum":["concise","detailed"],"type":"string","default":"concise","description":"detailed adds evidence (source page, quote, date read)."},"stance":{"enum":["any","no_insurance_billing","bills_insurance","hybrid","unclear"],"type":"string","default":"any","description":"What the practice states: no_insurance_billing = it does not bill insurance; bills_insurance; hybrid = some of each."},"hsa_fsa":{"enum":["true","false"],"type":"string","description":"true = only practices with an HSA or FSA statement; false = only those without one."},"website":{"type":"string","maxLength":120,"description":"Practice website or domain."},"doctor_id":{"type":"string","maxLength":30,"description":"Directory doctor id such as fdd-N05015; finds the linked practice."},"practice_id":{"type":"string","maxLength":120,"description":"Practice id (its website domain). Name a practice with one of practice_id, website, phone, name with state, doctor_id."},"radius_miles":{"type":"number","default":25,"maximum":100,"description":"Miles, default 25, maximum 100.","exclusiveMinimum":0}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","required":["data_as_of","disclaimer"],"properties":{"query":{"type":"object","description":"The request as understood."},"result":{"type":"object","properties":{"city":{"type":["string","null"]},"name":{"type":"string"},"model":{"type":"string"},"phone":{"type":["string","null"]},"state":{"type":["string","null"]},"hsa_fsa":{"type":"object","description":"HSA or FSA statement in the practice's own words; listed=false and not_found=true when none is found."},"website":{"type":["string","null"]},"evidence":{"type":"array","items":{"type":"object","properties":{"field":{"type":"string"},"quote":{"type":"string"},"source_url":{"type":["string","null"]},"date_checked":{"type":"string"}}},"description":"detailed format only: where each fact was read."},"insurance":{"type":"object","description":"Insurance statement: stance (no_insurance_billing, bills_insurance, hybrid, unclear), wording, flags, statements, checked_on; not_found=true when none is found."},"practice_id":{"type":"string","description":"The practice, identified by its website domain. Counts and results are per practice, not per location."},"distance_miles":{"type":["number","null"],"description":"Miles to the nearest location, null for a state search."},"adult_monthly_usd":{"type":["number","null"],"description":"Adult monthly fee confirmed against the FindMyDirectDoctor directory, or null (then read the plan sheet)."},"adult_monthly_basis":{"type":"string"}}},"results":{"type":"array","items":{"type":"object","required":["practice_id","name"],"properties":{"city":{"type":["string","null"]},"name":{"type":"string"},"model":{"type":"string"},"phone":{"type":["string","null"]},"state":{"type":["string","null"]},"hsa_fsa":{"type":"object","description":"HSA or FSA statement in the practice's own words; listed=false and not_found=true when none is found."},"website":{"type":["string","null"]},"evidence":{"type":"array","items":{"type":"object","properties":{"field":{"type":"string"},"quote":{"type":"string"},"source_url":{"type":["string","null"]},"date_checked":{"type":"string"}}},"description":"detailed format only: where each fact was read."},"insurance":{"type":"object","description":"Insurance statement: stance (no_insurance_billing, bills_insurance, hybrid, unclear), wording, flags, statements, checked_on; not_found=true when none is found."},"practice_id":{"type":"string","description":"The practice, identified by its website domain. Counts and results are per practice, not per location."},"distance_miles":{"type":["number","null"],"description":"Miles to the nearest location, null for a state search."},"adult_monthly_usd":{"type":["number","null"],"description":"Adult monthly fee confirmed against the FindMyDirectDoctor directory, or null (then read the plan sheet)."},"adult_monthly_basis":{"type":"string"}}}},"returned":{"type":"integer"},"data_as_of":{"type":"string"},"disclaimer":{"type":"string","description":"Prices and statements are published by the practice. Confirm with the practice before booking."},"next_cursor":{"type":["string","null"],"description":"Pass as cursor for the next page, or null when no more remain."},"source_note":{"type":"string"},"total_matches":{"type":"integer"}}}}}}},"responseSchema":{"type":"json","example":{"query":{"flag":"any","sort":"distance","limit":2,"model":"any","scope":"ZIP 66210","format":"concise","stance":"no_insurance_billing","radius_miles":25},"results":[{"zip":"66210","city":"Overland Park","name":"Freedom Pediatrics","model":"dpc","phone":"(913) 423-3196","state":"KS","hsa_fsa":{"note":"HSA or FSA statement: not found in our data","listed":false,"not_found":true},"website":"https://www.freedompediatrics.com/","insurance":{"flags":[],"stance":"no_insurance_billing","wording":"The practice states it does not bill insurance.","superbill":false,"checked_on":"2026-09-25","statements":["The doctor does not bill insurance."],"medicaid_mentioned":false,"medicare_mentioned":false,"keeps_insurance_recommended":false},"practice_id":"freedompediatrics.com","distance_miles":0,"adult_monthly_usd":140,"location_precision":"street","adult_monthly_basis":"Lowest adult individual tier; rates may vary by age. Enrollment fee $100","other_locations_count":0}],"returned":2,"data_as_of":"2026-10-02","disclaimer":"Prices and statements are published by the practice on its own website. Confirm with the practice before booking. This is not medical, legal, tax or insurance advice.","next_cursor":"bzoy","source_note":"Facts read from each practice's own website","total_matches":22}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.02","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_ahKeHxodtLQR3UHYOZ4tc","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns a doctor's office's own published insurance stance (no billing, bills insurance, or both), plus mentions of superbills, HSA/FSA, Medicare, and Medicaid — searchable by practice name or location.","exampleAgentPrompt":"Find direct primary care or cash-pay doctor's offices within 25 miles of ZIP 66210 that say they don't bill insurance, and show me which ones mention superbills or accept HSA/FSA — sort by distance and give me up to 10 results.","exampleUseCases":[{"title":"HSA/FSA-friendly DPC near a ZIP","prompt":"I'm using my HSA card to pay for a direct primary care doctor — can you find DPC practices near ZIP 78701 in Texas that mention HSA or FSA on their website? Sort by distance and show up to 15."},{"title":"Superbill-offering practices in a state","prompt":"I want to get reimbursed by my PPO after visiting a cash-pay doctor — find me practices in California that mention superbills on their own website, sorted by lowest monthly price, up to 20 results."},{"title":"Lookup insurance policy for a named practice","prompt":"Can you pull up what Freedom Pediatrics in Kansas says about insurance on their website — do they bill insurance, offer superbills, or mention HSA/FSA?"}],"resultDescription":"A paginated list of matching practices, each including: practice name, model (DPC/concierge/cash-pay/hybrid), the practice's own insurance stance wording, boolean flags for superbill/Medicare/Medicaid mentions, HSA/FSA statement status, adult monthly price, distance in miles, website, phone, city, state, ZIP, and a disclaimer that details come from the practice's own website and should be confirmed before booking.","failureModes":["Missing required location parameter (no zip, lat/lng, city+state, or state) returns a validation error","Invalid ZIP format (not 5 digits) rejected by schema pattern","lat provided without lng (or vice versa) is invalid","Practice not found by name returns empty results list","Cursor token expired or invalid returns error or empty page","flag enum value misspelled returns validation error","limit exceeds maximum of 25 is rejected"],"whenToPreferThis":"Use this endpoint when you need to know what a specific doctor's office or set of nearby practices says about insurance on their own website — especially useful for patients seeking no-insurance-billing, superbill, or HSA/FSA-compatible care. Prefer this over general provider directories (Zocdoc, NPI lookup) when the question is specifically about a practice's insurance billing stance or cash-pay compatibility rather than appointment availability or clinical specialty.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-31T18:39:40.011Z","isFirstParty":false,"canonicalSlug":"findmydirectdoctor-insurance-policy-directory-api-95783e32"}